POLICE & FIRE FEDERAL CREDIT UNION closing costs and rates (2024)
In 2024, POLICE & FIRE FEDERAL CREDIT UNION originated 145 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $4,060. That is $2,681 below the national median of $6,741. POLICE & FIRE FEDERAL CREDIT UNION is most active in Pennsylvania with 100 originations there.
Purchase Originations
145
Median Total Costs
$4,060
−39.8% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$645
Median Lender Credits
$468
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 145 | 6.625% | $4,060 | $645 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 100 | 6.625% | $4,164 | #160 |
| New Jersey | 37 | 6.625% | $3,643 | — |
| Florida | 5 | 6.125% | $4,031 | — |
| Delaware | 3 | 6.625% | $3,374 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,684 | 6.125% | — | 1 | −$2,376 | |
| 2 | $2,306 | 6.625% | — | 1 | −$1,754 | |
| 3 | $2,805 | 6.125% | — | 1 | −$1,255 | |
| 4 | $3,275 | 6.875% | — | 1 | −$785 | |
| 5 | $3,325 | 6.750% | — | 2 | −$735 | |
| 6 | $3,330 | 6.500% | — | 3 | −$730 | |
| 7 | $3,438 | 6.625% | — | 12 | −$622 | |
| 8 | $3,522 | 6.375% | — | 2 | −$538 | |
| 9 | $3,666 | 6.500% | — | 7 | −$394 | |
| 10 | $3,789 | 6.625% | — | 10 | −$271 | |
| 11 | $3,930 | 6.625% | — | 7 | −$130 | |
| 12 | $4,031 | 5.875% | — | 1 | −$29 | |
| 13 | $4,062 | 6.625% | — | 31 | +$2 | |
| 14 | $4,092 | 6.438% | — | 24 | +$32 | |
| 15 | $4,362 | 6.375% | — | 2 | +$302 | |
| 16 | $4,407 | 5.875% | — | 1 | +$347 | |
| 17 | $4,542 | 6.938% | — | 28 | +$482 | |
| 18 | $4,898 | 6.250% | — | 1 | +$838 | |
| 19 | $5,240 | 7.125% | — | 1 | +$1,180 | |
| 20 | $5,343 | 6.375% | — | 4 | +$1,283 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.